I know what I’m talking about at least half the time: my 2011 predictions were hit and miss. Like any other industry observer, they’re all educated guesses, and we’re even asked to speak about what we foresee. As the late Red Skelton is often credited with saying, “Give the people...

Carla Decker can thank James Madison.
When she raises her right hand this week before her confirmation hearing at the Senate Banking Committee, she will continue a tradition that dates back to the 18th century.